Insurance, Employee Benefits, and Financial Services

Karam Financial Group's Providence, RI office stands out as a prominent player in the insurance brokerage landscape, boasting a substantial presence in the region. With a focus on employer benefits, this larger office has honed its expertise in catering to the needs of local and regional employers, particularly excelling in the realms of medical and ancillary benefits. Distinguishing itself through a diverse clientele, Karam Financial Group has successfully serviced top-tier organizations, including Baycoast Bank, G Lopes Construction, and Inkhouse. These clients span industries such as depository credit intermediation, heavy and civil engineering construction, and advertising/public relations, showcasing the broker's versatility across sectors. Aligning with its commitment to local engagement, Karam Financial Group is an integral part of a local brokerage firm, emphasizing its connection to the community and understanding of regional dynamics. Notably, the broker has demonstrated a commendable track record working with midsize employers, reflecting its ability to navigate the nuanced challenges of this market segment. With a wealth of experience and a client-centric approach, Karam Financial Group's Providence office emerges as a strategic partner for employers seeking comprehensive and tailored insurance solutions. Their proven success with employers of similar scale and diverse industries underscores their capacity to deliver effective benefits strategies in a dynamic business landscape.

With over four decades of experience in the industry, IMA has become a trusted leader in commercial insurance, risk management, surety, and employee benefits brokerage and consulting. Our team of knowledgeable and experienced professionals work tirelessly to develop customized solutions that meet the unique needs of each of our clients. At IMA we understand that businesses face a wide range of risks and challenges, from property damage and liability claims to employee benefits and cyber threats. That's why we offer a comprehensive suite of services that can be tailored to each client's specific needs, including risk assessments, insurance placement, claims management, and employee benefits consulting. Our goal is to help our clients mitigate risk and achieve long-term success. What sets us apart is our commitment to innovation and our ability to anticipate emerging risks and trends. We are constantly exploring new ways to help our clients protect their assets and grow their businesses. We leverage the latest technology and industry insights to provide cutting-edge solutions that deliver results. At IMA, we believe that our success is measured by the success of our clients. We strive to build strong, long-lasting relationships with each of our clients based on trust, integrity, and a deep understanding of their unique needs. We are proud to serve businesses of all sizes and industries, and we are confident that we have the expertise and resources to help your business thrive. Our more than 2,300 associates are located across offices in Alaska, California, Colorado, Connecticut, Georgia, Hawaii, Illinois, Kansas, Massachusetts, Michigan, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and throughout the U.S. and Canada.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,500 industry-leading professionals across approximately 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

At Risk Strategies, we help our clients protect those things that matter most to them. We help them see the way forward in a complex world with specialty insight, practical advice, and custom insurance with a vast network of specialists in Property & Casualty, Employee Benefits, Private Client, as well as Consulting Services and Financial and Wealth Management solutions. We are a different kind of insurance brokerage – bringing a strategic, holistic, specialist approach to our clients, so they can face the future with confidence. We are the 9th largest privately held insurance broker in the US with over 30 specialty practices, 200+ locations, and 5,000 team members (and counting!). We love what we do, and it shows. For five straight years, we were named one of the Best Places to Work by Business Insurance. In 2024, we earned certification as a Great Place to Work. Risk Strategies is an Accession Risk Management Group company, a family of specialty insurance distribution and risk management companies powered by a shared vision of delivering a superior client and employee experience.

Employee Family Protection is not just our name – it’s what we do. We assist employees in protecting themselves and their families with informed benefit decisions. Our clients value their employees benefit enrollment process, therefore, we are committed to offering valuable benefit advisement, cutting edge enrollment and billing technology, administrative support, proprietary billing solutions, and enrollment services to each client as needed. Our clients are assigned a dedicated team of experts equipped for their workforce’s needs before, during, and after the enrollment process. Over the last 43 years our growing staff has been devoted to holding a place as a national leader in the benefit service industry. Employee Family Protection provides innovative solutions for a better benefit experience.

Marsh McLennan Agency (MMA) provides business insurance, employee health & benefits, retirement & wealth, and private client insurance solutions to organizations and individuals seeking limitless possibilities. With over 15,000+ colleagues and 300+ offices across the United States and Canada, MMA combines the personalized service model of a local consultant with the global resources and expertise of the world’s leading professional services firm, Marsh McLennan (NYSE: MMC). MMA generates more than $5 billion in annualized revenue, making it one of the largest brokerage operations in North America.

What makes Lockton stand apart is also what makes us better: independence. Our private ownership empowers our 12,500+ Associates doing business in over 140+ countries to focus solely on clients' risk and insurance needs. With expertise that reaches around the globe, we deliver the deep understanding needed to accomplish remarkable results.

Partners Together - Endless Possibilities Hilb Group provides the resources of a big insurance broker and the attentive, personal service of a small agency. Our people are our greatest strength. Our values of trust, passion, integrity and growth drive our actions to benefit every client. Managing Risk Your risk profile doesn’t matter – Hilb paints a very wide portrait. We have more than 30 industry specialties, which gives our clients and brokers a unique advantage. We form enduring partnerships to get the best results every time, and work with the top insurers to provide a huge range of high-quality choices, matched exactly to your needs. About Hilb Group Founded in 2009, Hilb Group is a Top 25 middle market independent insurance broker. Hilb Group offers expertise in property & casualty, employee benefits, and retirement services to business and individuals throughout the nation.

Municipal Benefits, located in the vibrant city of New Haven, CT, stands as a formidable player in the insurance brokerage arena, boasting a larger office equipped with a team of seasoned professionals. With a focus on employer benefits, they have carved a niche for themselves with an impressive track record in handling medical and ancillary benefits. This branch of Municipal Benefits prides itself on its extensive expertise in serving both local and regional employers, demonstrating a keen understanding of the nuanced needs within the medical and ancillary benefits landscape. Their commitment to excellence is evident in their diverse clientele, including notable entities like Chemoil Energy Services in the petroleum and petroleum products merchant wholesalers industry, based in CA, with a substantial participation of 520+ members. What sets Municipal Benefits apart is their affiliation with a respected local brokerage firm, leveraging collective industry insights and resources. This strategic partnership enhances their ability to deliver tailored solutions, particularly evident in their demonstrated experience with midsize employers. Municipal Benefits' adept handling of the complexities within the petroleum and petroleum products merchant wholesalers industries further establishes them as a go-to choice for businesses seeking comprehensive and customized insurance solutions in the dynamic landscape of employer benefits.

With over four decades of experience in the industry, IMA has become a trusted leader in commercial insurance, risk management, surety, and employee benefits brokerage and consulting. Our team of knowledgeable and experienced professionals work tirelessly to develop customized solutions that meet the unique needs of each of our clients. At IMA we understand that businesses face a wide range of risks and challenges, from property damage and liability claims to employee benefits and cyber threats. That's why we offer a comprehensive suite of services that can be tailored to each client's specific needs, including risk assessments, insurance placement, claims management, and employee benefits consulting. Our goal is to help our clients mitigate risk and achieve long-term success. What sets us apart is our commitment to innovation and our ability to anticipate emerging risks and trends. We are constantly exploring new ways to help our clients protect their assets and grow their businesses. We leverage the latest technology and industry insights to provide cutting-edge solutions that deliver results. At IMA, we believe that our success is measured by the success of our clients. We strive to build strong, long-lasting relationships with each of our clients based on trust, integrity, and a deep understanding of their unique needs. We are proud to serve businesses of all sizes and industries, and we are confident that we have the expertise and resources to help your business thrive. Our more than 2,300 associates are located across offices in Alaska, California, Colorado, Connecticut, Georgia, Hawaii, Illinois, Kansas, Massachusetts, Michigan, New York, North Carolina, Ohio, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Washington, and throughout the U.S. and Canada.